H.R. 1295 · 109th Congress · 2005–2006
Responsible Lending Act
H.R. 1295 in the 109th Congress (2005–2006) was introduced on Mar 15, 2005, sponsored by Bob Ney with 39 co-sponsors.
During the 109th Congress (2005–2006), George W. Bush was president, and Republicans held majorities in both the House and Senate.
- Status
- Introduced
- Introduced
- Mar 15, 2005
- Co-sponsors
- 39
- Policy area
- Finance and Financial Sector
What it does
Responsible Lending Act - Mortgage Lending Improvements and Uniform National Standards Act - Amends the Truth in Lending Act to define higher-cost mortgage. Sets forth related provisions with respect to: (1) requirements for higher-cost mortgages; (2) dispute and error resolution; (3) damages, rescission and liability; (4) State law coordination; (5) State enforcement authority; (6) prepayment penalties and late charges; and (…
Summary by the nonpartisan Congressional Research Service.
Sponsor
Bob Ney (R-OH). Co-sponsors: 17 Democrats, 22 Republicans.
Where it stands
- IntroducedMar 15, 2005
- Passed the House—
- Passed the Senate—
- Sent to the President—
- Became law—
Latest action: Sponsor introductory remarks on measure. (CR H5182) (Jun 27, 2005)
More bills from Bob Ney in the 109th Congress
- H.R. 3071: To permit the individuals currently serving as Executive Director, Deputy Executive Directors, and…
- H.R. 3669: National Flood Insurance Program Enhanced Borrowing Authority Act of 2005
- H.R. 4912: Rural Health Care Capital Access Act of 2006
- H.R. 2872: Louis Braille Bicentennial--Braille Literacy Commemorative Coin Act
- H.R. 5434: To designate the facility of the United States Postal Service located at 40 South Walnut Street in…
- H.R. 1633: Protecting Every Health Center Act of 2005
- H.R. 5121: Expanding American Homeownership Act of 2006
Other Finance and Financial Sector bills in the 109th Congress
- S. 256: Bankruptcy Abuse Prevention and Consumer Protection Act of 2005
- S. 467: Terrorism Risk Insurance Extension Act of 2005
- S. 1047: Presidential $1 Coin Act of 2005
- H.R. 4636: Federal Deposit Insurance Reform Conforming Amendments Act of 2005
- H.R. 4912: Rural Health Care Capital Access Act of 2006
- S. 418: Military Personnel Financial Services Protection Act
- S. 3850: Credit Rating Agency Reform Act of 2006
- S. 2856: Financial Services Regulatory Relief Act of 2006
- H.R. 5585: Financial Netting Improvements Act of 2006
- S. 4044: Religious Liberty and Charitable Donation Clarification Act of 2006
Committees
More
From GovInfo bill records, Congressional Research Service summaries, Voteview roll calls and lobbying reports.
Cite or embed this page
Capitol Receipts, “H.R. 1295 (109th Congress): Responsible Lending Act,” https://www.capitolreceipts.com/bill/109-hr-1295/responsible-lending-act (accessed 2026-10-13).